Join the Community

20,976
Expert opinions
43,771
Total members
303
New members (last 30 days)
107
New opinions (last 30 days)
28,264
Total comments

Latest expert opinions

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

Understanding the Role of PSD Agents in the Payment Services Directive

In this post I will explore the world of Payment Services Directives (PSD), where PSD agents are the unsung heroes, diligently working behind the scenes to ensure smooth transactions. If you've ever wondered who these mysterious figures are and what role they play in the grand scheme of payment services, you've come to the right place. In this com...

/regulation /inclusion Financial Inclusion

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

Exploring the Benefits of EMD Agents in the Electronic Money Directive

In this article I will explore the Electronic Money Directive (EMD) which emerged as a pivotal regulatory framework, guiding the operations of electronic money transactions across the globe. At the heart of this directive, EMD agents play a crucial role, ensuring compliance, enhancing security, and fostering trust in the digital payment landscape....

/regulation /retail Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

Why Do Neobanks Fail? Challenges and Lessons.

In the ever-evolving world of banking, neobanks have emerged as digital disruptors, promising a seamless and innovative banking experience. However, not all neobanks succeed in this competitive landscape. In this article, I will take a deep dive into the key reasons for their failure and explore the challenges that they are facing. Failure to deli...

/payments /retail Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

How Neobanks and Digital Banks Differ

The rise of neobanks and digital banks has revolutionized the banking industry. They offer innovative solutions and user-friendly interfaces that make managing your finances a breeze. Whether you prefer the simplicity of a neobank or the comprehensive services of a digital bank, there's no denying that these alternatives are changing the way we ba...

/payments /retail Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

What are the downsides of Neo banks?

While neo-banks offer many advantages in terms of convenience and accessibility, it is important to weigh these benefits against the potential drawbacks discussed below. By understanding both sides of the coin, you can make an informed decision about whether neo-banks are right for your banking needs. Author: Sergio Artimenia, managing director at...

/retail /startups Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

What Is Neobanking And How Does It Work?

In this article, I will explore the rise of neobanking and how it has become a game-changer in the financial industry. What makes neobanking so beneficial? How convenient, accessible and personalized are neobanks? What security measures are implemented by neobanks to ensure that financial transactions remain safe and secure? I will make a comparat...

/payments /retail Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

How to get an Electronic Money Institution (EMI) license in Europe?

In recent years, the European financial landscape has experienced a significant shift with the rapid growth of electronic money institutions (EMIs). This has been fueled by the increasing demand for innovative and convenient digital payment solutions, as evidenced by the success of companies like Revolut and TransferWise. As a result, many entrepr...

/payments /retail Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

Open Banking for Small Businesses

The significant changes in the way customers and businesses participate in the banking ecosystem are incoming. The emergence of artificial intelligence (AI) and machine learning (ML) in financial technology (FinTech) caused the opportunity to improve financial management systems for businesses. Advancements in technology made banking operations si...

/retail /wholesale Open Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

Traditional Institutions in the Banking War: What Are the Chances to Win

The massive changes that take place in the banking sector are often portrayed as the intense competition within the industry, namely between progressive institutions and those considered traditional ones. Instinctively, being a "progressive" bank looks more appealing than being called a “traditional” bank. That is why it would look like m...

/retail /inclusion Disruption in Retail Banking

Sergei Artimenia

Sergei Artimenia Managing Director at RNDPOINT.com

Project delivery: missed deadlines and what to do about it.

You've probably also come across a situation where you have everything you need to implement a project. However, you fail to deliver quality and timely software deliveries from sprint to sprint. Here's a story of my client. I was approached by a client who received investment for his startup, but could not launch it on time. Previously, when deve...

/devops /startups IT Metrics